Agricultural Development Bank Limited
Savings Deposit
2.78–5.39%- Hamro Bachat / Sabai Nepali Savings 2.78%
- Bal Surakchya Bachat (Children's Savings) 3.70%
- Chetanshil Nari Bachat (Women Savings) 3.70%
- Krishak Bachat (Farmer Savings) 3.93%
- Shareholders Savings 4.15%
- Sambriddhi Bachat (Premium Savings) 4.16%
- Ba Ama Bachat / Platinum Savings 4.39%
- ADBL Salary / Payroll Savings 4.38%
- Matribhumi Remittance Savings 5.39%
Fixed Deposit
2.78–4.15%- Fixed Deposit – 3 Months to 1 Year 2.78%
- Fixed Deposit – 2 Years 2.85%
- Fixed Deposit – 3 Years 3.00%
- Fixed Deposit – 4 Years and Above 4.15%
- FCY USD Fixed Deposit – Short Term 3.25%
- FCY USD Fixed Deposit – 1 Year 3.50%
Call Deposit
2.00%- Call Deposit 2.00%
Recurring Deposit
4.10%- Recurring Deposit 4.10%
Current Account
- Current Account —
Home / Housing Loan
9.85–10.85%- Home / Housing Loan — BR + 2.00% to 3.00% 9.85%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.35%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 10.85%
Auto / Vehicle Loan
10.35–10.85%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.35%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.60%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 10.85%
Hire Purchase
10.35%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.35%
Personal / Professional
10.85–11.60%- Personal Term Loan — BR + 3.50% to 4.50% 11.35%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.60%
- Professional Loan — BR + 2.75% to 4.00% 10.85%
Education Loan
10.85%- Education Loan — BR + 2.75% to 4.00% 10.85%
- Foreign Education Loan — BR + 3.00% to 4.00% 10.85%
Business / SME / Working Capital
10.35–10.85%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.35%
- Working Capital / OD — BR + 1.25% to 3.50% 10.35%
- Bridge Gap Loan — BR + 2.50% to 4.00% 10.85%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.35%
Agriculture Loan
9.85%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 9.85%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 9.85%
Microfinance / Wholesale
8.85%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 8.85%
Gold Loan
10.85%- Gold Loan — BR + 2.50% to 4.00% 10.85%
Foreign Employment Loan
10.85%- Foreign Employment Loan — BR + 2.75% to 4.00% 10.85%
Deprived Sector Loan
10.35–10.85%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 10.85%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.35%
Subsidised Loan
8.85%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 8.85%
Real Estate Loan
10.85%- Real Estate Loan — BR + 2.50% to 4.00% 10.85%
Other Loans
10.35–10.85%- Loan against Fixed Deposit — Coupon + 2% (or BR, whichever higher) —
- Loan against Govt / NRB Securities — Coupon + 2% —
- Loan against Life Insurance Policy — BR + 2.75% to 4.00% 10.85%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.35%